Home > Money > Question
Need Expert Advice?Our Gurus Can Help
Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 01, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Anugrah Question by Anugrah on Jul 01, 2024Hindi
Money

I have monthly budget of 5000 to invest in mutual funds. Should i invest 5000 sip in one mutual fund or break the 5000 into 2000 for large cap 2000 for flexi cap and 1000 for large & mid cap. I am currently 30 years old. Kindly help me to build a healthy corpus.

Ans: Investing wisely requires a well-thought-out strategy. At 30 years old, with a monthly budget of Rs. 5000 for mutual fund investments, you have a unique opportunity to build a substantial corpus over time. The strategy recommended here is to diversify your investment across three types of mutual funds: Large-Cap, Flexi-Cap, and Large & Mid-Cap funds. Each category offers different benefits and, when combined, provides a balanced approach to managing risk and maximizing returns.

Diversification: The Cornerstone of Investment
Diversification involves spreading your investments across various assets to reduce risk. By investing in multiple types of funds, you mitigate the impact of any single underperforming asset on your overall portfolio. This approach is particularly important in mutual funds, where market conditions can fluctuate significantly.

Allocating Rs. 5000 Monthly
Rs. 2000 in Large-Cap Funds

Rs. 2000 in Flexi-Cap Funds

Rs. 1000 in Large & Mid-Cap Funds

Let's explore each of these categories in detail.

Large-Cap Funds: Stability and Reliability
Understanding Large-Cap Funds

Large-cap funds invest in companies with large market capitalizations. These companies are well-established, financially sound, and have a track record of stability and consistent performance. Investing in large-cap funds offers:

Lower Volatility: Large-cap companies are more stable, reducing the risk of significant price swings.

Steady Growth: These funds provide steady growth over time, making them a reliable choice for long-term investments.

Dividend Payments: Many large-cap companies pay regular dividends, providing an additional income stream.

Why Rs. 2000 in Large-Cap Funds?

Allocating Rs. 2000 of your monthly budget to large-cap funds ensures that a portion of your investment is in stable, less volatile assets. This stability is crucial, especially in volatile market conditions, as it helps safeguard your investment.

Flexi-Cap Funds: Flexibility and Growth Potential
Understanding Flexi-Cap Funds

Flexi-cap funds, as the name suggests, have the flexibility to invest across different market capitalizations – large-cap, mid-cap, and small-cap. This flexibility allows fund managers to adjust the portfolio based on market conditions and opportunities. Investing in flexi-cap funds offers:

Dynamic Allocation: Fund managers can move assets between large, mid, and small-cap stocks based on market trends.

Higher Growth Potential: By including mid and small-cap stocks, these funds have the potential for higher returns.

Risk Management: The ability to shift assets helps manage risk effectively.

Why Rs. 2000 in Flexi-Cap Funds?

Allocating Rs. 2000 to flexi-cap funds brings flexibility and growth potential to your portfolio. It allows your investment to adapt to market changes, potentially increasing your returns while managing risks effectively.

Large & Mid-Cap Funds: A Balanced Approach
Understanding Large & Mid-Cap Funds

Large & mid-cap funds invest in both large and mid-sized companies. Mid-cap companies offer higher growth potential compared to large-cap companies but come with increased risk. Investing in large & mid-cap funds offers:

Growth and Stability: The combination of large-cap stability and mid-cap growth potential provides a balanced approach.

Diversification: Spreading investments across large and mid-cap stocks enhances diversification.

Better Risk-Reward Balance: These funds strike a balance between risk and potential returns.

Why Rs. 1000 in Large & Mid-Cap Funds?

Allocating Rs. 1000 to large & mid-cap funds adds an additional layer of diversification to your portfolio. It combines the stability of large-caps with the growth potential of mid-caps, providing a balanced risk-reward profile.

Detailed Analysis of Each Fund Category
Large-Cap Funds: The Bedrock of Stability
Historical Performance

Large-cap funds have historically provided consistent returns with lower volatility. They are less affected by market downturns compared to mid or small-cap funds. For instance, during market corrections, large-cap stocks tend to lose less value.

Example Scenario

Imagine a period of economic slowdown. Large-cap companies, due to their established market presence and financial strength, can weather the storm better than smaller companies. This translates to more stable returns for large-cap fund investors.

Investment Rationale

Large-cap funds should form the foundation of your portfolio. They offer peace of mind through stable returns, which is particularly important if you are new to investing or have a lower risk tolerance.

Flexi-Cap Funds: Adapting to Market Conditions
Flexibility in Action

Flexi-cap funds give fund managers the freedom to invest in companies of any size. This adaptability is crucial during different market phases. For example, in a bullish market, a fund manager might increase exposure to mid and small-cap stocks for higher returns. Conversely, in a bearish market, they might shift towards more stable large-cap stocks.

Potential for High Returns

While large-cap funds provide stability, flexi-cap funds can offer higher returns by capitalizing on market opportunities across all market caps. This potential for higher returns comes with higher risk, but the diversified nature of these funds helps manage that risk.

Investment Rationale

Flexi-cap funds add dynamism to your portfolio. They allow you to benefit from various market segments' growth potential while managing risk through diversification.

Large & Mid-Cap Funds: Striking a Balance
Growth Meets Stability

Large & mid-cap funds offer a blend of growth and stability. Mid-cap stocks, while riskier, can provide significant returns during growth phases. Large-cap stocks, on the other hand, offer the stability needed to balance this risk.

Balanced Risk-Reward Profile

These funds are ideal for investors looking for a moderate risk-reward profile. They do not expose you to the high risks associated with pure mid or small-cap funds, yet they offer higher returns than pure large-cap funds.

Investment Rationale

Investing in large & mid-cap funds helps achieve a balanced portfolio. They provide a cushion during market volatility while capturing the growth potential of mid-cap stocks.

Practical Steps to Implement the Strategy
Choosing the Right Funds

Selecting the right mutual funds within each category is crucial. Look for funds with a strong track record, consistent performance, and experienced fund managers. Research and compare different funds before making a decision.

Setting Up SIPs

Systematic Investment Plans (SIPs) are an excellent way to invest regularly without worrying about market timing. Setting up SIPs for each of the chosen funds ensures disciplined investing and takes advantage of rupee cost averaging.

Regular Monitoring and Review

Investing is not a one-time activity. Regularly monitor your portfolio's performance and review it at least annually. Adjust your investments if needed based on your financial goals and market conditions.

Managing Risks
Understanding Market Risks

All investments come with risks. While diversification helps manage risk, it's essential to understand the market risks associated with each fund category. Large-cap funds are less risky, while mid-cap and flexi-cap funds carry higher risks but offer higher returns.

Personal Risk Tolerance

Assess your risk tolerance. How comfortable are you with market fluctuations? Your risk tolerance will influence the proportion of your investment in each fund category. If you are risk-averse, you might prefer a higher allocation to large-cap funds.

Emergency Fund

Before investing, ensure you have an emergency fund covering 3-6 months of expenses. This provides a safety net, allowing you to invest without worrying about immediate financial needs.

Financial Goals and Time Horizon
Defining Financial Goals

Clearly define your financial goals. Are you investing for retirement, buying a house, or your child's education? Specific goals help in planning and prioritizing your investments.

Investment Time Horizon

Your investment time horizon impacts your strategy. With a longer horizon, you can afford to take more risks, as you have time to recover from market downturns. At 30, you likely have a long time horizon, allowing for a more aggressive investment approach.

Tax Considerations
Tax Implications on Mutual Funds

Be aware of the tax implications on your mutual fund investments. Long-term capital gains (LTCG) on equity funds are taxed at 10% beyond Rs. 1 lakh. Short-term gains are taxed at 15%. Understanding these implications helps in effective tax planning.

Tax-Saving Funds

Consider investing in tax-saving mutual funds (ELSS) if reducing tax liability is a priority. These funds offer tax deductions under Section 80C of the Income Tax Act.

The Role of a Certified Financial Planner
Personalized Advice

A Certified Financial Planner (CFP) can provide personalized advice tailored to your financial situation and goals. They can help you choose the right funds, set up SIPs, and monitor your portfolio.

Regular Check-Ins

Regular check-ins with a CFP ensure that your investments stay aligned with your goals. They can offer guidance during market fluctuations and help adjust your strategy as needed.

Final Insights
Investing Rs. 5000 monthly in a diversified mutual fund portfolio is a prudent strategy. Allocating Rs. 2000 to large-cap funds, Rs. 2000 to flexi-cap funds, and Rs. 1000 to large & mid-cap funds provides a balanced approach to managing risk and maximizing returns. Regularly review and adjust your investments to stay aligned with your financial goals. Start early, stay disciplined, and seek advice from a Certified Financial Planner to build a healthy corpus over time.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Money
Hello Sir, I am 36 years old and looking at a corpus of around 50 lakhs in 5-8 years. I am very new to Mutual Funds investing honestly. I have invested in Aditya Birla PSU Equity fund Direct Growth - 1,50,000 this very month and ICICI Prudential Bharat 22 FOF Direct Plan - One time 1,00,000 and an SIP of 15,000 per month in Tata Small Cap Fund Direct Growth. I’m looking at investing another 3,50,000 readily plus another SIP of 15,000 a month. Can you please advise how to go about it. Thank you so much Sir. Divya
Ans: Planning Your Mutual Fund Investment Strategy

Congratulations on your proactive approach to investing! With a goal of Rs 50 lakhs in 5-8 years, and considering your existing investments, let's develop a comprehensive plan. You've already started with some mutual funds, and you’re looking to invest an additional Rs 3.5 lakhs and continue monthly SIPs of Rs 15,000. Here’s how you can optimize your investment strategy.

Understanding Your Investment Horizon and Risk Appetite

Your target of Rs 50 lakhs in 5-8 years is achievable with a disciplined approach. Given this medium-term horizon, a balanced portfolio with a mix of equity and debt funds can help manage risk while aiming for good returns.

Reviewing Your Current Investments

You’ve invested in:

Aditya Birla PSU Equity Fund Direct Growth: Rs 1.5 lakhs
ICICI Prudential Bharat 22 FOF Direct Plan: Rs 1 lakh
Tata Small Cap Fund Direct Growth: SIP of Rs 15,000 per month
Investment in Direct Funds

Direct funds often have lower expense ratios, but they require more monitoring. Since you are new to mutual funds, investing through a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials can offer professional advice and active management.

Evaluating the Current Portfolio

PSU Equity Fund: Focuses on public sector undertakings. While potentially rewarding, it can be sector-specific and volatile.
Bharat 22 FOF: A fund of funds investing in Bharat 22 ETF. It's diversified but closely tied to the performance of selected public sector enterprises.
Small Cap Fund: High growth potential but with higher volatility. Suitable for long-term investment but requires risk tolerance.
Diversifying Your Portfolio

A diversified portfolio balances risk and reward. Here are some suggestions:

1. Large Cap Funds

Large cap funds invest in well-established companies. They offer stability and steady returns. Allocate a portion of your Rs 3.5 lakhs here for a balanced approach.

2. Multi Cap Funds

Multi cap funds invest across market capitalizations (large, mid, and small caps). They offer diversification within a single fund, reducing risk while providing growth opportunities.

3. Balanced or Hybrid Funds

Balanced or hybrid funds invest in both equities and debt. They provide growth potential with the stability of fixed-income investments. This can be a good option for conservative investors looking for balanced risk and reward.

4. Debt Funds

Debt funds invest in bonds and other fixed-income securities. They offer lower risk and stable returns. Allocating a portion to debt funds can stabilize your portfolio, especially for short-term goals.

Proposed Allocation of Additional Rs 3.5 Lakhs

Large Cap Fund: Rs 1 lakh
Multi Cap Fund: Rs 1 lakh
Balanced/Hybrid Fund: Rs 1 lakh
Debt Fund: Rs 50,000
Systematic Investment Plans (SIPs)

Continue with your existing SIP of Rs 15,000 in Tata Small Cap Fund. Start another SIP of Rs 15,000 as follows:

Large Cap Fund: Rs 5,000 per month
Multi Cap Fund: Rs 5,000 per month
Balanced/Hybrid Fund: Rs 5,000 per month
Why Choose Regular Funds through MFD with CFP

Professional Guidance: CFPs offer personalized advice tailored to your financial goals and risk appetite.
Active Management: Regular funds managed by professionals can adapt to market changes, potentially outperforming passive funds.
Peace of Mind: Regular monitoring and adjustments by professionals ensure your investments align with your goals.
Calculating Expected Returns

Assuming an average annual return of 10-12% from equity funds and 7-8% from debt funds, let's estimate the future value of your investments.

Lump Sum Investments

Rs 3.5 lakhs in diversified funds with an average return of 10% over 5-8 years

Using the compound interest formula:

FV = P (1 + r/n)^(nt)

For simplicity, let's assume annual compounding.

After 5 years:

FV = 3,50,000 (1 + 0.10)^5 ≈ Rs 5.64 lakhs

After 8 years:

FV = 3,50,000 (1 + 0.10)^8 ≈ Rs 7.51 lakhs

SIP Investments

Rs 30,000 per month (Rs 15,000 existing + Rs 15,000 new) with an average return of 10% over 5-8 years

Total Estimated Corpus

Combining lump sum and SIP investments:

After 5 years: Rs 5.64 lakhs (lump sum) + Rs 23.23 lakhs (SIP) ≈ Rs 28.87 lakhs
After 8 years: Rs 7.51 lakhs (lump sum) + Rs 45.82 lakhs (SIP) ≈ Rs 53.33 lakhs
You are likely to achieve your goal of Rs 50 lakhs within 8 years, possibly even sooner.

Regular Monitoring and Adjustments

Regularly review your portfolio's performance. Adjust your SIPs and allocations based on market conditions and personal financial changes. A CFP can help with these adjustments.

Conclusion

Your goal of Rs 50 lakhs in 5-8 years is achievable with a well-diversified investment strategy. By reallocating your lump sum and SIP investments into large cap, multi cap, balanced/hybrid, and debt funds, you balance growth potential and risk. Investing through a Mutual Fund Distributor with CFP credentials offers professional guidance and peace of mind. Regular monitoring and adjustments will ensure you stay on track to meet your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

Asked by Anonymous - Jul 01, 2024Hindi
Listen
Money
i have a monthly budget of 5000 to invest in mutual funds. Should i invest 5000 in one mutual fund or break it into 2000 for large cap, 2000 for flexi cap and 1000 for elss tax scheme?
Ans: Let’s explore the best way to allocate your Rs 5,000 monthly investment in mutual funds.

Evaluating Single Fund vs. Diversified Investment
Investing in One Mutual Fund
Pros:

Simplicity: Easier to manage a single fund.
Focus: Concentrated investment can maximise growth in one area.
Lower Costs: Reduces transaction fees and administrative costs.
Cons:

Higher Risk: All eggs in one basket increases risk.
Limited Diversification: Less spread across sectors and asset classes.
Investing in Multiple Mutual Funds
Pros:

Diversification: Reduces risk by spreading across different funds.
Balanced Growth: Different funds perform differently, balancing returns.
Flexibility: Ability to adjust individual fund investments based on performance.
Cons:

Complexity: Managing multiple funds requires more attention.
Higher Costs: May incur higher transaction and management fees.
Diluted Focus: Smaller investments in each fund may reduce potential returns.
Recommended Allocation Strategy
Considering your budget and need for balanced growth, a diversified approach can be beneficial. Here's a suggested allocation:

Large Cap Fund (Rs 2,000):

Stability: Large-cap funds invest in well-established companies.
Consistent Returns: Generally offer stable and reliable returns.
Lower Risk: Less volatile compared to mid and small-cap funds.
Flexi Cap Fund (Rs 2,000):

Flexibility: Invests across large, mid, and small-cap stocks.
Growth Potential: Can capture growth opportunities in various market segments.
Risk Management: Balances between growth and stability.
ELSS Tax Scheme (Rs 1,000):

Tax Benefits: Offers tax deductions under Section 80C.
Long-Term Growth: Typically invests in equity, offering good returns over time.
Lock-In Period: Three-year lock-in period ensures disciplined investing.
Analytical Insights
Diversification Benefits:

Reduces overall portfolio risk.
Balances potential returns from different sectors.
Provides exposure to various market capitalisations.
Tax Efficiency:

ELSS investments offer dual benefits of tax savings and equity growth.
Helps in long-term wealth creation with tax advantages.
Disadvantages of Direct Funds
Direct Funds:

Lack of Guidance: No professional advice can lead to uninformed decisions.
Time-Consuming: Requires active management and research.
Higher Risk: Potentially higher risk without expert guidance.
Benefits of Regular Funds through CFP:

Expertise: Professional management ensures better decision-making.
Convenience: Saves time and effort on research and management.
Tailored Advice: Investments tailored to your risk profile and goals.
Final Insights
Investing Rs 5,000 across large cap, flexi cap, and ELSS funds is a prudent strategy. This approach balances risk and returns while providing tax benefits. Regular reviews and adjustments will help align with your financial goals. Consider investing through a Certified Financial Planner for professional guidance and risk management.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7101 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 03, 2024

Listen
Money
I have monthly budget of 5000 to invest in mutual funds. Should i invest 5000 sip in one mutual fund or break the 5000 into 2000 for large cap 2000 for flexi cap and 1000 for elss tax scheme. I am currently 30 years old. Kindly help me to build a healthy corpus.
Ans: Starting to invest at 30 is a great move
Regular investing can build a good corpus over time
Your willingness to consider different fund types is smart

Single Fund vs Multiple Funds

Investing in one fund is simple to manage
But multiple funds can spread your risk better
Both approaches have their own benefits

Benefits of Diversification

Splitting money across fund types can balance risk and returns
Large cap funds offer stability
Flexi cap funds give exposure to different company sizes

Tax-Saving with ELSS

ELSS funds help save taxes under Section 80C
They also have the shortest lock-in period of 3 years
This makes them a good choice for tax-saving investments

Advantages of Actively Managed Funds

Professional fund managers handle your money
They can adjust to market changes quickly
This can potentially lead to better returns

Starting with Multiple Funds

Your idea of splitting funds is good for beginners
It helps you understand different fund types
You can adjust your strategy as you learn more

Regular Funds for Guidance

Consider investing through regular plan funds
They offer expert advice from financial advisors
This can be very helpful when you're starting out

Increasing Your Investments

Try to increase your investment amount over time
Even small increases can make a big difference
Use salary hikes to boost your investments

Long-term Perspective

Stay invested for the long term for best results
Don't worry about short-term market movements
Regular investing helps average out market ups and downs

Periodic Review

Check your investments every 6 months
See if they're meeting your goals
Make changes if needed, but avoid frequent switches

Finally
Your plan to split Rs. 5000 across different fund types is good. It balances risk and growth. As you learn more, you can adjust your strategy. Regular review and patience are key to building a healthy corpus.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Latest Questions
Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 24, 2024

Asked by Anonymous - Nov 24, 2024Hindi
Relationship
How can an elder man attract young women
Ans: Attracting someone, regardless of age, begins with authenticity and mutual respect. If an older man is interested in forming a connection with a younger woman, it’s important to focus on qualities that foster meaningful relationships. Younger women are often drawn to the stability, confidence, and life experience that an older man can bring to the table, but the key lies in presenting these qualities without pretense or arrogance.

Confidence rooted in self-awareness and emotional maturity can be particularly appealing. This doesn’t mean showing off achievements or wealth, but rather displaying a genuine sense of self and clarity about what you want in life. Emotional maturity—expressed through kindness, patience, and good communication—creates a safe and engaging space for meaningful interactions.

Equally important is the ability to connect on a deeper level. Shared interests, respect for her individuality, and a willingness to engage with her worldview go a long way. Relationships thrive when both individuals feel valued and heard. An older man should approach a younger woman with curiosity about her experiences and aspirations, while also offering his perspective in a way that enriches the connection rather than dominating it.

It’s also crucial to approach such a dynamic with an understanding of potential societal perceptions. While age-gap relationships are increasingly accepted, they often come with assumptions or judgments. The foundation of a strong relationship in this context lies in ensuring that the connection feels equal, mutually respectful, and free of power imbalances.

Finally, maintaining physical and emotional health contributes to overall attractiveness. When a man prioritizes his wellbeing, it not only enhances his confidence but also signals that he values himself and his relationships. Attraction in any relationship is multifaceted, involving both external qualities and the inner richness of character.

...Read more

Kanchan

Kanchan Rai  |407 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 24, 2024

Asked by Anonymous - Nov 22, 2024
Relationship
I was in a relationship with a boy(he is 35 yrs old man, and a lawyer but not practising in a court, he had a lot of relationship during our relationship and after break up , He had changed 4, 5 women or used them physically) for 3 years. It has been three-four months. We are not in a relationship. We have broken up. I told him to delete our personal pics and videos. He is not deleting them and is not blackmailing me either. I told him that since we don't want to be together, we don't have a future together, then delete them. He is not deleting them and is not blackmailing me either and I want him to delete them. Who knows what will come to his mind in the future and what will happen. If we don't continue, he has no right to Keep the pics in your mobile, whatever video is personal to us, don't delete it and don't blackmail me either. I am not able to understand what should I tell him, although I have requested him a lot to delete it but he is not doing it either, He told me that I have kept ur pics and videos So that I cannot complain against him in future. so what should I do, please guide me. I know I had made a huge mistake to love him and gave him right to keep personal pics or videos..
Ans: At this point, it’s essential to protect your emotional and mental health while addressing this issue. You might consider seeking support from someone you trust, such as a close friend or family member, to share this burden. Talking to someone who knows you and your situation can provide comfort and practical guidance.

If he continues to refuse, you may need to explore your legal options. Many countries have laws that protect individuals from having private photos or videos kept or shared without their consent. Taking this step might feel daunting, but it could give you a sense of empowerment and security. It’s not about revenge or escalation; it’s about protecting yourself and asserting your right to move forward without this hanging over you.

On an emotional level, remind yourself that you are not defined by this relationship or the choices you made while in it. You trusted someone who didn’t honor that trust, but this doesn’t diminish your value or strength. It’s natural to feel regret, but you deserve compassion from yourself as you work through this.

You’re not alone in this, and it’s okay to seek help—whether that’s legal advice, emotional support from loved ones, or even professional counseling to navigate the stress and anxiety this situation might be causing. The most important thing now is to take steps that protect your peace of mind and ensure your future isn’t weighed down by his actions.

...Read more

Milind

Milind Vadjikar  |687 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Nov 24, 2024

Asked by Anonymous - Nov 23, 2024Hindi
Listen
Money
Hello Team, Hi Dev Sir, I am 43 years old employed. Here are my financial stats: Loan - 35 lacs Saving- 27 lacs 1 house bought in 2009 at rent (14000/month) and valued at 60 lacs Another house which I live is valued at 90 lacs Monthly income after tax - 2.5 lac Monthly expenses- 1 lac PF/gratuity - 16 lacs MF - 2 lacs NPS - 4 lacs What are my options to retire after 5 yrs with good corpus?
Ans: Hello;

What is your monthly contribution to EPF, NPS and MFs?

Please clarify so as to advise you suitably.

Thanks;

...Read more

Nayagam P

Nayagam P P  |3918 Answers  |Ask -

Career Counsellor - Answered on Nov 24, 2024

Listen
Career
Sir i am currently in class 11 th and i just want to prepare for jee mains and advanced 2026 exam so give me some roadmap to achieve and also guide me for computer science
Ans: Shreya, I trust that you have already enrolled in a coaching center, whether it be online or in person, and have finished your eleventh syllabus. (1) If you have not yet created your own short-notes for the 11th syllabus that has been completed, prepare it and continue to revise them every three days until 2026, even after you have commenced studying the 12th syllabus in December 2024. (2) Review the questions that you have incorrectly answered or skipped in mock tests conducted by your Coaching Center and/or practiced independently. (3) In order to increase your rank/percentile by targeting computer science at a reputable college/institute, prioritize mathematics (although all three subjects are equally important). (4) You should be thorough with NCERT books, particularly those pertaining to chemistry, in conjunction with the materials provided by your coaching institute. (5) Have 1-2 reference books for each subject. Not exceeding two. (6) Review the questions that were incorrectly answered or skipped in your mock and practice exams and retake the test. It is advisable to maintain a distinct note-book for these types of questions, which should include answers and elucidating notes, in order to review them repeatedly for all three subjects. (7) Download the SYLLABUS of JEE Main 2025 (available on Google by searching for "JEE Main Information Bulletin") and print it out, as there will be no significant changes to the syllabus in 2026. Maintain it on your study table and continue to update the 11th syllabus chapters and concepts that you have covered to date by marking them with a checkmark. This will boost your confidence if you continue to update the same till November 2025. (8) A slight difference in Syllabus might be visible when you acquire the 2026 JEE Main / JEE Advanced Syllabus. The same can be resolved within 15 days to one month in 2025-26. (9) Increase your productivity by studying for 45 minutes to 1 hour, taking a 10-minute break, and then continuing for 45 minutes. (10) Take a 2-3 minute break every 45 minutes while practicing questions, whether offline or online. This break should consist of closing your eyes and taking long breaths to enhance your concentration and mental capacity. (11) Additionally, it is recommended that you acquire the 20-40 PREVIOUS years question paper book of JEE (Main & Advanced) from Amazon. Arihant's, Disha's, or MTG's publications are recommended. Once you have finished reading a chapter, practice and complete it to determine the extent to which you have comprehended the concepts and to identify areas that require improvement. (12) By October 2025, ensure that you have reviewed significantly more than 90% of the previous years questions. Your confidence will be further bolstered by this. (13) After the mock test is completed at your coaching center, clarify all incorrectly answered or ignored questions and continue to revise and practice them, as these types of questions will significantly disrupt your performance in the actual JEE. (14) If you are a regular school student, inquire with your class teacher about the minimum attendance requirement as outlined in the Board's regulations (State, CBSE, ICSE, etc.). Utilize the remaining 15% by taking time off and preparing for your JEE, if only 85% attendance is required. (15) THE MOST IMPORTANT Value Added Suggestion: Rather than solely relying on JEE, please participate in 5-7 entrance exams/counseling process with a JEE score for getting admission into any one of the private engineering colleges to have a variety of options to select the most suitable one. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

...Read more

Radheshyam

Radheshyam Zanwar  |1062 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Nov 23, 2024

Asked by Anonymous - Nov 23, 2024Hindi
Listen
Career
My son graduated BE CSC with 8.9 CGP was offered a job as system engineer inTCS in April when he was in his 8th semister. Till November 23 he didn't get the on boarding letter, in the meantime whe appeared in two' exams under same offer. Advice what has been going on.
Ans: Hello.
Whatever you are saying is just shocking. The track record of TCS is not like that, as you described in your question. It would be better to contact TCS again and ask them when they will give on boarding letter. It is not clear from your query whether your son had done some correspondence with TCS or not related to the job offered. It is also not clear which two exams he appeared in. If not selected in a campus interview, searching for a job might be tedious but not so difficult. Ask your son to post a strong resume on the LinkedIn portal and remain in touch with his seniors. Please visit the websites of renowned companies daily to search for vacancies. There are many job-offering portals where he can register his name. Please ask the college placement division for any placement opportunities.
Wishing the best of luck for his bright future.

If satisfied, please like and follow me.
If dissatisfied with the reply, please ask again without hesitation.
Thanks.

Radheshyam

...Read more

T S Khurana

T S Khurana   |197 Answers  |Ask -

Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
Listen
Money
Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x